General liability insurance helps Virginia businesses protect against covered third-party injury, property damage, and certain personal or advertising injury claims.
Harter Insurance Agency keeps general liability under the broader business insurance program and helps business owners compare coverage options, certificates of insurance, contract requirements, and related policies such as workers' compensation, commercial auto, professional liability, or business owners coverage.
Coverage For Business Contracts And Everyday Risk
Clients, landlords, vendors, and event organizers often ask for proof of general liability coverage. Harter can help you review coverage language and provide certificates when needed.
Virginia General Liability Insurance FAQs
What is general liability insurance?
General liability insurance helps protect a business when it is legally responsible for bodily injury, property damage, or certain personal and advertising injuries suffered by third parties.
Is general liability insurance required in Virginia?
Virginia generally does not require all businesses to carry general liability insurance by state law, but landlords, clients, vendors, contracts, and government agencies often require proof of coverage.
What does general liability insurance typically cover?
A standard policy typically covers third-party bodily injury, third-party property damage, personal and advertising injury, legal defense costs, medical payments, and products and completed operations liability.
What is bodily injury coverage?
Bodily injury coverage can help protect your business if someone is injured because of your operations, such as a customer fall, visitor injury, or job-site injury.
What is property damage coverage?
Property damage coverage helps pay for damage your business causes to someone else's property, such as a customer's wall, equipment, fence, or building.
Does general liability insurance cover legal defense costs?
Yes. General liability insurance can help pay attorney fees, court costs, investigation expenses, settlements, and judgments for covered claims.
What does general liability insurance not cover?
Common exclusions include employee injuries, professional mistakes, damage to your own property, commercial vehicle accidents, workers' compensation claims, intentional acts, and employment practices claims.
What is a Certificate of Insurance?
A Certificate of Insurance, or COI, is a document that proves your business has insurance coverage.
Questions about how this applies to your policy? Contact Harter Insurance Agency for a coverage review.
